Quote Originally Posted by lizbud View Post
My primary care Dr works for the (my)Insurance group.
That's how it is for me, also. And my private insurance is excellent. When I need a referral, they never go out of network unless it's absolutely necessary. They're very aware of the insurance coverage problems.

Considering the 'network' consists of physicians in a major med school, we're pretty much assured of quality care without having to leave.